Blog

November 04, 2025
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5
MIN TO READ

Saving for Christmas: How to make the holidays affordable

Saving for Christmas is easy with budgets and goals in Grassfeld. December: the month of twinkling lights, cozy gatherings… and empty wallets. With Christmas, New Year’s Eve and maybe even a ski holiday, the parties, presents and dinners come at you quickly. The result? Many people are shocked by their empty bank account come January. But it doesn’t have to be that way. With a little planning and some smart choices, you can enjoy the festivities without draining your wallet.

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saving for christmas
Life events

Featured articles

travel budget app
Budgeting
October 21, 2025
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5
MIN TO READ
Manage the costs of wintering abroad with a travel budget app

Plan flights, rent, and daily costs with a travel budget app. When the days get shorter and the cold settles in back home, the idea of wintering abroad suddenly becomes very appealing. It means waking up to sunshine, having lunch on a terrace and trading your heavy winter coat for a breezy shirt. But how does it stack up financially? What does wintering abroad actually cost, and what should you keep in mind?

when do sales start
Life events
October 21, 2025
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6
MIN TO READ
When do the sales start? Check the Grassfeld sales calendar

Track when sales start and manage your budget in Grassfeld. Smart shopping is all about timing. Whether it’s clothes, electronics, or holidays, almost everything goes on sale eventually. If you know when certain products are discounted, you can save hundreds of euros per year.

how much does a ski trip cost
Others
October 14, 2025
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5
MIN TO READ
How much does a ski trip cost really

Before booking, check how much a ski trip costs including gear and passes. A ski holiday offers fun in the snow, fresh mountain air, and breathtaking views. But how much does a winter sports trip really cost? Since a ski holiday involves multiple cost components, the total price can vary greatly—you can make it as expensive or as budget-friendly as you like. This article breaks down the typical expenses associated with a winter sports vacation.

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saving for christmas
Life events
November 04, 2025
|
5
MIN TO READ
Saving for Christmas: How to make the holidays affordable

Saving for Christmas is easy with budgets and goals in Grassfeld. December: the month of twinkling lights, cozy gatherings… and empty wallets. With Christmas, New Year’s Eve and maybe even a ski holiday, the parties, presents and dinners come at you quickly. The result? Many people are shocked by their empty bank account come January. But it doesn’t have to be that way. With a little planning and some smart choices, you can enjoy the festivities without draining your wallet.

travel budget app
Budgeting
October 21, 2025
|
5
MIN TO READ
Manage the costs of wintering abroad with a travel budget app

Plan flights, rent, and daily costs with a travel budget app. When the days get shorter and the cold settles in back home, the idea of wintering abroad suddenly becomes very appealing. It means waking up to sunshine, having lunch on a terrace and trading your heavy winter coat for a breezy shirt. But how does it stack up financially? What does wintering abroad actually cost, and what should you keep in mind?

when do sales start
Life events
October 21, 2025
|
6
MIN TO READ
When do the sales start? Check the Grassfeld sales calendar

Track when sales start and manage your budget in Grassfeld. Smart shopping is all about timing. Whether it’s clothes, electronics, or holidays, almost everything goes on sale eventually. If you know when certain products are discounted, you can save hundreds of euros per year.

how much does a ski trip cost
Others
October 14, 2025
|
5
MIN TO READ
How much does a ski trip cost really

Before booking, check how much a ski trip costs including gear and passes. A ski holiday offers fun in the snow, fresh mountain air, and breathtaking views. But how much does a winter sports trip really cost? Since a ski holiday involves multiple cost components, the total price can vary greatly—you can make it as expensive or as budget-friendly as you like. This article breaks down the typical expenses associated with a winter sports vacation.

black friday tips
Others
October 7, 2025
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6
MIN TO READ
Follow these black friday tips to save

Following simple Black Friday tips can help you shop smart and save money. Black Friday is still a while away, but that is exactly why we are talking about it now. It is the ultimate opportunity to save big— but only if you are well-prepared. Use the tips below to boost your chances of scoring great deals and avoid overspending on impulse purchases.

what is zero based budgeting
Budgeting
September 30, 2025
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6
MIN TO READ
Discover what zero based budgeting means

Learning what is zero based budgeting shows a new way to plan expenses. Want maximum control over your spending? Then Zero Based Budgeting is the method for you. With this approach, you allocate every euro at the start of each month. In this article, we will explain how to apply this method and discuss its pros and cons.

financial record keeping
Budgeting
September 25, 2025
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6
MIN TO READ
Improve accuracy with financial record keeping

Strong financial record keeping ensures accuracy and compliance with tax rules. Setting up and managing a personal budget may sound boring, but it actually gives you freedom and clarity. It helps you understand exactly where your money is going, and makes it easier to find space to save for the fun things. And the best part? If you do it digitally with Grassfeld, it takes almost no effort. Follow the steps below to set up your personal budget today.

how much does a dog cost
Budgeting
September 16, 2025
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6
MIN TO READ
Find out how much a dog costs per year

Owning a pet means knowing how much a dog costs every year. A dog can truly enrich your life, but it also comes with a price tag attached to its collar. That is why it is smart to understand the costs of dog ownership before falling for those irresistible puppy eyes. Below is an overview of the expenses to keep in mind if you decide to bring a dog into your home.

how to ask for a raise
Life events
September 9, 2025
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5
MIN TO READ
Learn how to ask for a raise smartly

Preparation is key when deciding how to ask for a raise at work. Asking your employer for a raise can be nerve-wracking, even when you know you have earned it. Perhaps you have taken on additional responsibilities or consistently outperformed your colleagues, yet your salary has not reflected these contributions. That is why it is important to speak up about your salary expectations. Here are some practical tips to help you successfully navigate the conversation.

expat scheme netherlands
Others
September 2, 2025
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4
MIN TO READ
Understand the Dutch expat scheme clearly

The Dutch expat scheme offers tax benefits for foreign employees. Highly educated foreign employees pay less tax in the Netherlands. This is called the expat scheme or the 30% ruling. It is intended to compensate for the extra costs of temporarily living in the Netherlands. But what exactly does this scheme mean for foreign employees? And what changes are coming soon?

cost of secondary education
Others
August 26, 2025
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6
MIN TO READ
Calculate the cost of secondary education

The cost of secondary education can vary widely between schools. As the summer holidays come to an end, a new school year is just around the corner. A good moment to dive into the finances of Dutch education. What does secondary school cost? And what additional expenses should parents of teenagers keep in mind?

costs primary school
Others
August 19, 2025
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5
MIN TO READ
Know the costs of primary school for parents

Parents often underestimate the costs primary school brings each year. The summer holidays are almost over, and a new school year is just around the corner. Time to dive into the finances. What does primary school cost in the Netherlands? What is the deal with the parental contribution? And what other costs should you keep in mind as a parent?

saving money on a tight budget
Budgeting
August 12, 2025
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5
MIN TO READ
Learn ways of saving money on a tight budget

Saving money on a tight budget requires discipline and planning, but it’s also possible to save quickly with limited funds. Even though life can be expensive and you always have certain fixed expenses, in most cases it is still possible to save some money. You do not have to put aside large amounts all at once to build up your savings. In this article, we will explain how to save easily and quickly—even if you are on a tight budget.

divorce costs
Life events
August 5, 2025
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5
MIN TO READ
Get clarity on divorce costs explained

Divorce costs include legal fees, settlements, and potential lifestyle changes. A divorce always leads to an emotional period, but it also has a major financial impact. There are direct costs, such as those for a lawyer and court, and possibly indirect costs as well. In this article, we outline the costs associated with getting a divorce in the Netherlands (and explain how to stay in control of your expenses during this emotional time).

calculate year end bonus
Others
July 29, 2025
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4
MIN TO READ
Calculate your year end bonus easily

Many employees want to calculate year end bonus before making plans. Some employees receive a financial bonus from their employer at the end of the year: the year-end bonus. But what exactly is this? When are you entitled to receive it? And how can you calculate how much you will get? In this article, we will explain what a year-end bonus is and what to take into account.

money management app
Budgeting
July 22, 2025
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6
MIN TO READ
Manage finances with a money management app

A money management app gives you complete control over your finances. Managing your money can be challenging, especially with all kinds of distractions like ads, a coffee here and there, or lunch in the office cafeteria. Before you know it, you have spent more than you originally planned. So how do you stay in control of your finances? With the free Grassfeld app! In this article, we will explain how it works and why it is a useful tool for managing your money.

house renovation costs
Life events
July 15, 2025
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5
MIN TO READ
Estimate your house renovation costs upfront

House renovation costs depend on materials, labor, and project size. How much does it cost to renovate a house? A good question—because the cost strongly depends on the scale of the renovation. One person may want to upgrade the kitchen, while another may want to add a dormer window or build an entire home extension. Renovating involves more than just buying bricks and tiles; it requires planning, execution and finishing which all require time and money. Below, we break down the process step by step.

tax free saving
Budgeting
July 8, 2025
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6
MIN TO READ
Learn the rules of tax-free saving

Tax free saving helps you grow wealth without paying extra to the government. Tax-free saving—it almost sounds too good to be true. But it is possible, as long as your total assets remain below a certain threshold. Each year, the Dutch Tax Office (Belastingdienst) sets a tax exemption limit. If your total assets remain below this limit, it is not taxed under the so-called “Box 3.” In this article, we will explain everything about tax-free saving (and any tax you might still have to pay).

how much does a world trip cost
Life events
July 1, 2025
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7
MIN TO READ
See how much a world trip costs

Many travelers wonder how much a world trip costs before planning. Are you planning to go on a world trip? What a great idea! However, it is essential to be well-prepared and understand the estimated costs of a world trip. In this article, we will outline the major expenses you should consider so you can determine whether your plans are financially feasible.

what is interest
Others
June 24, 2025
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5
MIN TO READ
Learn what interest is and why it matters

Understanding what interest is is crucial when dealing with loans and savings. When you start dealing with financial matters, you will quickly come across the term “interest.” But what exactly is interest? And how does it work? In this article, we will answer these questions and more. For example, we will explain how mortgage interest and variable interest work, what types of interest you may encounter when taking out a loan, and how often interest is paid out.

costs of selling a house
Life events
June 17, 2025
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8
MIN TO READ
Calculate the costs of selling a house

Understanding the costs of selling a house helps you prepare financially. When you move, you have a lot on your plate. You are probably looking for a new house or have just bought one, and at the same time, you are starting the process of selling your current home. But how much does it actually cost to sell a house? And how do you keep track of these expenses so you are not surprised by (high) costs? We will explain it all in this article.

clothing allowance per age
Others
June 10, 2025
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5
MIN TO READ
See clothing allowance explained per age

Parents often ask what clothing allowance is appropriate per age. It is important for children to learn how to manage money. This helps them understand the value of money and realize that it does not grow on trees—it has to be earned. That is why many parents give pocket money and clothing allowance. But at what age should you start, and how much should you give? Many parents struggle with these questions, so here is a guide to what is common when it comes to clothing allowance.

what does a car cost
Budgeting
June 06, 2025
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5
MIN TO READ
Learn what a car costs each year

Before buying, it is wise to calculate what a car costs each year. After working hard and saving up, the moment has finally arrived: you can buy your first car! To avoid any unexpected surprises, this article outlines all the costs associated with owning a car in The Netherlands — beyond the purchase price, of course 😉

how to reduce expenses
Budgeting
May 27, 2025
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10
MIN TO READ
Practical ways to reduce expenses effectively

Simple steps can show you how to reduce expenses without sacrificing quality of life. Fixed expenses may seem set in stone, but you often have more control over them than you think. For example, switching your energy provider could save you money. The same goes for you internet subscriptions and insurance policies. Even your weekly grocery bill offers opportunities to cut costs. Every euro counts—and over time, these small savings can add up significantly! Reflect on what you truly need and regularly review your spending habits. Here are some tips to help you reduce your fixed expenses.

how to track your income and expenses
Budgeting
May 20, 2025
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6
MIN TO READ
Discover how to track your income and expenses

Knowing how to track your income and expenses makes budgeting much easier. Do you want a clear overview of your financial situation but find the list of transactions in your banking app confusing? By keeping track of your income and expenses, you will know exactly where your money comes from and where it goes. But how do you do this effectively? This article explains how.

how much pocket money per age
Others
May 13, 2025
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5
MIN TO READ
Check how much pocket money is fair per age

How much pocket money is reasonable per age? At some point, almost every parent asks themselves: when should I start giving my child pocket money? Pocket money allows children to buy something nice for themselves and, more importantly, helps them learn how to manage money. But when should you start? And how much should you give? This article covers these questions and more.

costs of starting your own business
Life events
May 6, 2025
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5
MIN TO READ
Understand the costs of starting your own business

The costs of starting your own business vary depending on your industry and location. Starting your own business in the Netherlands is an exciting yet challenging step. It also comes with various costs. It is important to have a clear understanding of the expenses you can expect. This article outlines the main costs to help you calculate how much money you will need to start your business.

budget management app
Budgeting
April 29, 2025
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5
MIN TO READ
Control spending with a budget management app

A budget management app combines planning, tracking, and reporting in one tool. Looking for an app to help you budget effectively? Grassfeld enables you to gain and maintain control over your finances. The app makes it easy to set budgets for every category, allowing you to see at any moment how much money you have left for spending. In this article, we will explain how you can get started and how budgeting works in the app.

costs of buying a house
Budgeting
April 22, 2025
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8
MIN TO READ
Calculate the costs of buying a house

The costs of buying a house go beyond just the purchase price. When buying a house, you will encounter additional costs on top of the purchase price of the property itself. These extra expenses are called "buyer’s costs". If you are planning to buy a house, it is essential to account for these costs, as they can add up quickly. In this article, we list the key cost items and provide a few free tips (because you already have enough expenses 😉).

holiday allowance calculation
Life events
April 15, 2025
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5
MIN TO READ
Try a holiday allowance calculation yourself

A holiday allowance calculation shows how much extra income you will receive. Holiday allowance is an additional payment you receive on top of your salary, intended to help cover the costs of your (summer) vacation. In this article, we will explain everything you need to know about holiday allowance, including the calculation, payment, gross-net differences, and holiday pay for those receiving benefits from the UWV.

investing for beginners
Budgeting
April 8, 2025
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8
MIN TO READ
Investing for beginners made simple here

Investing for beginners starts with learning about risk and diversification. Starting to invest can be challenging. That is understandable because you are entering a new and unfamiliar world. How do you start investing? Where can you buy stocks? And can you invest with small amounts? We will answer these questions and share five practical tips to make getting started with investing a bit easier.

what does a wedding cost
Budgeting
April 1, 2025
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10
MIN TO READ
Understand what a wedding costs today

Couples usually ask what a wedding costs before setting their budget. Planning a wedding is an exciting yet challenging task, especially when it comes to managing expenses. Many couples wonder: what does a wedding actually cost? This article breaks down the various elements of a wedding and provides cost estimates for each. This gives you a clear picture of what to expect and helps you plan your wedding within budget.

finished studying
Others
March 25, 2025
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7
MIN TO READ
Plan your money once you are finished studying

Once you have finished studying it is time to take control of your finances. You have completed your studies in The Netherlands and are starting your first full-time job. This exciting new phase comes with many responsibilities, which can feel overwhelming. Here is a checklist to ensure a smooth (financial) transition as you start your career.

track expenses app free
Others
March 18, 2025
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5
MIN TO READ
Use a free track expenses app

With a track expenses app free you can monitor spending without extra costs. Are you looking for a free app to help you track your expenses so you can instantly see where your money goes? Try Grassfeld! This article explains how to use the app to track your spending (and why it’s essential).

save money fast
Others
March 11, 2025
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5
MIN TO READ
Learn how to save money fast right now

If you need to save money fast, focus on cutting variable expenses. Once you have set a savings goal, you naturally want to reach it as quickly as possible. Here are some tips to help you save money faster! 🚀

renting or buying a house
Others
March 4, 2025
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6
MIN TO READ
Compare renting or buying a house wisely

The decision between renting or buying a house depends on your financial situation. Renting or buying a house: what is wiser? Almost everyone reaches a point in their life where they ask themselves this question. Deciding whether to rent or buy a house is an important decision that affects both your finances and lifestyle. This article outlines the pros and cons of each option to help you make an informed decision.

how to budget
Budgeting
February 25, 2025
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5
MIN TO READ
Learn how to budget in simple steps

Learning how to budget is the first step toward financial freedom. Staying in control of your personal finances starts with setting a budget. This will make you more mindful of your spending. But how exactly do you do that, budgeting? To help you get started, we have outlined five budgeting methods for you to consider.

what is 13th month salary
Analytics
February 18, 2025
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5
MIN TO READ
Understand what a 13th month salary is

Employees sometimes ask what 13th month salary is and how it is calculated. As you know, each year has twelve months. However, in the world of payroll, there is something called a 13th month. What exactly is that? How does it relate to holiday pay and the year-end bonus? How is it calculated? In this article we will explain the concept of the 13th month in simple terms.

cost of having a baby
Life events
February 11, 2025
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5
MIN TO READ
Understand the true cost of having a baby

The cost of having a baby includes medical care, clothing, and supplies. Having a child is one of life’s most profound and impactful events. At the same time, it also comes with significant financial responsibilities. This article provides a general overview of the costs at each stage of a child’s life, helping you prepare for what to expect.

what is tuition fee credit
Savings
February 4,2025
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6
MIN TO READ
Find out what tuition fee credit means

Students often ask what is tuition fee credit and how it can be used. If you are studying in the Netherlands and are 18 or older, you are eligible for student finance, which includes the option of a tuition fee credit. But what exactly is this? When could it be wise to apply for a tuition fee credit, and what are the pros and cons? Here’s a clear explanation.

money tips
Savings
January 28, 2025
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5
MIN TO READ
Read practical money tips for daily life

Practical money tips can help you save more and spend less. Gaining control over your finances can be challenging, especially with temptations everywhere — subscriptions here, discounts there and before you know it, you’re spending way more than planned. Making smart choices and managing your money consciously, does not only help you save, but also brings peace and clarity. Here are six practical tips (along with a free app) to help you gain and maintain control of your finances.

50 30 20 rule app
Budgeting
January 21, 2025
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5
MIN TO READ
Follow the 50 30 20 rule with an app

A 50 30 20 rule app helps you divide income into needs, wants, and savings. If you want to maintain or improve your financial health, budgeting is a wise approach. The 50/30/20 rule is a simple and effective method for doing so. This rule of thumb helps you avoid overspending by dividing your income into three categories: 50% for necessities, 30% for leisure, and 20% for savings, investments, or debt repayment.

how to split expenses as a couple
Budgeting
January 14, 2025
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5
MIN TO READ
Tips on how to split expenses as a couple

Discussing how to split expenses as a couple avoids conflict and confusion. Moving in together is an exciting step in a relationship, but it also brings practical considerations. How will you divide expenses? Who pays for what? Below is an overview of important factors to consider when splitting fixed costs, along with tips for a fair division.

how does student finance work
Others
January 7, 2025
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10
MIN TO READ
Understand how student finance works clearly

It is important to understand how student finance works before applying. If you are studying in the Netherlands, you may be eligible for ‘studiefinancering’, which also applies to international students. This means that you receive monthly funds from the government. If you complete your studies within ten years, this so-called ‘performance grant’ is converted into a gift, meaning you do not have to pay it back. This article explains the conditions under which international students in the Netherlands may qualify for study finance.

saving on groceries
Savings
December 17, 2024
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10
MIN TO READ
Start saving on groceries without effort

Saving on groceries is one of the fastest ways to cut household costs. A significant portion of your monthly expenses is likely going toward groceries. This also means there’s plenty of room to save, leaving more money for other things. Here are some practical tips to help you save on groceries.

average savings per age
Savings
December 10, 2024
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10
MIN TO READ
Compare the average savings per age group

Average savings per age can give you a benchmark for your own finances. How much money do you have in your savings account, a little or a lot? What is a lot? It can be helpful to have some comparison to get an idea of whether you're on the right track when you look at your savings balance. That's why we explain how much savings are considered ‘normal’ to have.

insurance for students
Life events
December 3, 2024
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10
MIN TO READ
Why insurance for students is essential

Insurance for students provides protection against unexpected events during studies. When you move out and start living on your own, there's a lot to manage. You get your own space and the freedom to come and go as you please. But it also comes with responsibilities, like managing your finances (with more expenses) and getting the necessary insurance. Which insurance are essential when you move into student housing? We’ve listed the most important ones for you!

what is a savings deposit
Savings
November 26, 2024
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10
MIN TO READ
Learn what a savings deposit really is

Understanding what a savings deposit is can help you compare banking products. Not all savings accounts are the same, and therefore the interest rates differ. A fixed-term savings account, or savings deposit, is one of the most profitable options. But what exactly is a savings deposit? And what should you consider? Let us explain.

saving money students
Life events
November 19, 2024
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10
MIN TO READ
Find smart ways of saving money for students

Saving money students often requires creative solutions and strict priorities. As a student, it can be quite a challenge to make ends meet every month, let alone save some money. A party here, a coffee there; it’s easy to spend more than you intended. That’s why we’ve put together a few handy money-saving tips for students.

fire movement
Others
November 12, 2024
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10
MIN TO READ
Follow the fire movement towards freedom

The fire movement focuses on financial independence and early retirement. Do you dream of retiring early and having more freedom to do what you really want for the rest of your life? Then delve into the FIRE movement. It’s all about financial freedom, allowing you to stop working earlier than the retirement age.

how do banks use deposits
Savings
November 5, 2024
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10
MIN TO READ
Learn how banks use deposits in practice

Many people wonder how banks use deposits to fund their operations. Most people have at least one checking and one savings account. You use the checking account for daily transactions. Therefore the money needs to be accessible at all times. With your savings, it’s different because you don’t need it right away. So, what does the bank do with your savings? Do they store it in a vault for you until you withdraw it?

what is better saving or investing
Savings
October 29, 2024
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10
MIN TO READ
Decide what is better saving or investing

People often ask whether saving or investing is better for long-term goals. If you're in good financial shape, you spend less than you earn and save a bit of your income each month. With that money, you can do two things: save or invest. In this article, you'll learn more about the possibilities and risks, so you can determine which option suits you best.

Life events
October 22, 2024
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10
MIN TO READ
Calculate the costs of living on your own

The costs of living on your own can be higher than many expect. Living on your own for the first time means taking on responsibilities like rent, utilities, and groceries all by yourself. It's essential to manage your finances carefully to navigate this new chapter without stress. We'll offer an overview of typical living costs, helping you prepare and fully enjoy your independence.

budgeting for beginners
Budgeting
October 15, 2024
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10
MIN TO READ
Budgeting for beginners step by step

Budgeting for beginners starts with writing down all income and expenses. Do you want to gain more insight and control over your finances? Budgeting could be the solution. When budgeting, you match your income and expenses. This ensures you don't spend more money than you earn. We provide some practical tips so you can start budgeting.

create a savings plan
Savings
October 4, 2024
|
10
MIN TO READ
Create a savings plan that works for you

When you create a savings plan you set yourself up for future success. Can you already picture the piggy bank, filled with enough money to finally make that dream trip or buy a new car? Whether you're saving for something big or want a buffer for emergencies, a clear savings plan can help you. With a few simple steps, you can create a savings plan and reach your savings goals. We explain how to do that.

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The sooner you start using Grassfeld®, the better. Creating and tracking financial goals gives you and your family the necessary perspective. Your path to financial freedom becomes clearer than ever. 
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